I will add....I have purchase 4 sets of face_off's shaders for skin, Apollo, Realskin, P6Realism and the mac version of RealSkin, plus Occlusion Master. That's about $75. 

I jumped at the chance to buy each one. I did not worry that this might 'undercut' or somewhat diminish the market for texture makers, since these shaders perform magic on default skin .jpgs.  I would say that since face_off raised the bar on the quality of skin, it has hopefully forced the texture/character vendors to do better. Some of them ship shaders with their characters.

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